Bushra Kousar

Part-qualified Chartered Accountant with one final exam remaining, having completed a 3.5-year articleship at PwC Lahore, Pakistan, in May 2026. Run an independent practice through LinkedIn and Upwork. Work spans audit and review engagements for 12+ clients across banking, NBFCs, Mudarabas, manufacturing, FMCG, advertising, education, textiles, professional services, and healthcare.

Built a data room for an Australian SaaS company's $0.5 million pre-seed raise, an investment-grade two-statement model for a real estate development valued at AED 597 million on Reem Island, Abu Dhabi, and a range of three-statement models, deal screening tools, IRR waterfalls, investor dashboards, and business plans. Currently open to full-time opportunities.

Assurance and Business Advisory - Senior Associate II at PwC Lahore (2026-05)

3.5 years of experience in Assurance & Business Advisory with 12+ Audit Clients

• ECL Modelling (IFRS 9): Led expected credit loss model review for MCB Bank - assessed provisioning methodology, credit risk staging, and impairment assumptions across corporate and retail portfolios; directly relevant to fixed income and credit analysis.
• Financial Statement Analysis: Analysed audited financials of 12+ entities across banking, FMCG, manufacturing, and healthcare - building rigorous intuition for earnings quality, working capital dynamics, and sector-level risk profiling.
• Regulated Institutions: Evaluated internal control environments at The Bank of Punjab and MCB Islamic Bank - identifying control deficiencies and providing structured improvement recommendations.
• IFRS Reporting: Prepared and reviewed standalone and consolidated financial statements under IFRS and applicable local laws across multiple regulated sectors.
• Liquidity Improvement: Led advisory for Cotton Web Limited - analysed working capital cycle, identified cash conversion bottlenecks, and delivered actionable restructuring recommendations to management.
• Business Process Re-Engineering: Executed process mapping and efficiency review for Pakistan Expo Centres Pvt. Ltd., delivering a structured operational improvement plan.
• FMCG Advisory: Contributed analytical support for Lotte Akhtar Beverages - deepening understanding of consumer sector cost structures, pricing dynamics, and margin drivers.
• Managed audit teams of 3-8 members across concurrent engagements - responsible for planning, work allocation, on-the-job training, quality review, and reporting to Managers, Directors, and Engagement Partners.
• Consistently delivered fieldwork within client-agreed deadlines across high-profile regulated engagements; commended by engagement partners for IFRS technical expertise and team leadership.

Fractional CFO/Financial Modeller at Independent Practice (Present)

Independently served 9 international clients across SaaS, Real Estate, Investment firm, Food Beauty and Wellness, Hospitality, Apparels, Confectionery, Cosmetics and Event agencies.

• 3-Statement Integrated Models: Built fully dynamic income statement, balance sheet, and cash flow models for real estate developers, B2B service firms, skincare brands, and SaaS businesses - incorporating assumption dashboards, debt schedules, and sensitivity analysis.
• Real Estate Deal Screening: Developed acquisition pro formas, 10-year cash flow projections, IRR and equity multiple waterfalls, LP/GP preferred return structures with promote tiers, and exit cap rate sensitivity tables.
• Construction & Project Finance: Built job-costing and project-level P&L models for roofing and construction companies covering revenue recognition by project phase and subcontractor cost tracking.
• Investor Tools: Delivered dynamic Excel dashboards, valuation reports, business planners, and wealth trackers with KPI monitoring, variance analysis, and scenario toggles for executive and investor audiences.